We offer all the financial products you'd expect from the world's biggest building society.
Can't find what you're looking for?
A range of useful guides and information covering a wide range of financial decisions and life events.
We’re here to help, whether you need assistance with one of your accounts or if you just have questions you’d like answered.
We’re the world’s largest building society. Run for the benefit of our members. Being a building society means that we’re free to reinvest our profits to improve the products and services we offer.
Some services are currently experiencing problems
Nationwide is not responsible for the content or accuracy of external websites
The information in this guide was last updated on 26/02/2014
If you have money worries, it's important to realise you're not alone and there are steps you can take to stop it spiralling out of control. Find out how steps like planning your budget could help.
If your circumstances have changed, it’s worth taking another look at your household incomings and outgoings. With less coming in and probably the same going out, reviewing where your money goes can be a sensible first step.
So go back to the drawing board and review your finances with a budget planner.
If you’re struggling with your debts, review them to see if there’s any way you can reduce what you’re paying back.
Sometimes it can be cheaper to consolidate your debts into a single loan, particularly if that loan has a lower interest rate than your existing debts. Debt consolidation could help you pay debts back sooner or even reduce the amount you’re paying each month.
But remember, you’re trying to find a cheaper way to manage your existing debt – try to avoid increasing the overall amount you owe or taking on new debt for a longer period of time, as this may cost you more in the long run. Find out more about managing your debts.
Our Handling debt guide provides an easy, step-by-step guide to make an honest assessment of all your debts.
Always be prepared for any additional expenses. Sometimes these are out of your control, like a rise in interest rates which could increase your mortgage repayments.
If interest rates do go up, you may want to review your current mortgage arrangements to ensure they remain appropriate. Switching your mortgage can mean extra fees, so make sure you weigh up the costs and benefits before deciding to switch.
Read our guide to switching your mortgage.
If you’re having trouble managing your money, look for new ways to track and monitor what you’re spending each month.
If you’re trying to stick to a budget, it’s vital that you know what every penny is being spent on so you can spot areas where you can cut back and make savings.
Online banking can be a great way to manage your finances. When you log in you can see all your recent transactions, giving you a detailed view of your spending. And unlike paper statements, you don’t have to wait until the end of the month to do it.
As well as keeping an eye on your current account, don’t forget to manage debts like loans or credit cards- see if you can afford to pay off a little extra each month. It’ll bring your debts down quicker, and might bring down the cost of the interest – though with loans make sure to check for any early repayment penalties.
You may want to set up a direct debit or standing order to help make your monthly repayments on time and avoid any late payment fees.
Another way you could potentially ease your money worries is to look for ways of bringing in extra income.
There are plenty of ways you could look to do this:
Before trying any of these options, make sure you understand whether you need to pay tax on your extra income, and how to do a tax return. If you’re considering renting a spare room, first find out what affect it would have on your mortgage.
Many companies offer easy, instant debt solutions, but these are often too good to be true. Names can be misleading, so make sure the organisation you choose is a charity. Other companies may charge fees. Here are a few free sources of help and advice if you’re having trouble with debts:
If you contact these charities, give the adviser as much information as you can about your household’s financial situation, including your list of creditors and a list of your incomings and outgoings.
Products designed with you in mind
See our range of insurance products